AI Engine · second product line
The AI Engine for loan officers: one brain, every channel.
Built and trained on your own information, it answers phone calls, website chat, texts, Facebook Messenger, Instagram DMs and TikTok messages (where the account's messaging access allows). It answers general questions, collects details and books a licensed LO. It never quotes rates, approves loans or gives loan advice.
Pick your channels.
AI Receptionist
An AI receptionist for loan officers.
$179/mo + $299 set-up
Website chat
A mortgage website chat bot trained on your information.
$69/mo
Facebook & Instagram DMs
Instagram DM and Facebook Messenger automation for loan officers.
$59/mo
TikTok messages
AI replies to TikTok messages for loan officers, where your account's messaging access allows.
$59/mo
AI texting (SMS)
AI text messaging for mortgage leads.
$69/mo
What it does, and what it never does
Every channel runs on the same guardrails, so borrowers get consistent, careful answers and every licensed decision stays with you.
It does
- Answer 24/7, on every channel
- Explain general program basics
- Collect details with consent
- Book your calendar
- Hand off to you instantly
- Log everything in your CRM
It never
- Quotes rates, payments or fees
- Approves or declines anyone
- Gives loan, tax or legal advice
- Asks for SSNs or account numbers
- Pretends to be human
- Messages people without consent
Hear it in action
A real-feeling first conversation
This sample call shows the tone: friendly, brief, honest about being AI, and quick to bring you in. Every message comes from your approved answers.
How the AI Receptionist worksAI assistant: Thanks for calling Jordan Example's office. I'm the team's AI assistant, and this call may be recorded. How can I help?
Borrower: Hi, I'm looking at a house and wondered if I could use an FHA loan.
AI assistant: Happy to help with the basics. FHA loans are popular with first-time buyers because of flexible credit guidelines and lower down payment options. Jordan can tell you exactly what fits. Can I take your name and the best number to reach you?
Borrower: Sure, it's Sam. And what would my rate be?
AI assistant: I can't quote rates, Sam, because they depend on your details and change daily. Jordan can give you a real answer. Would tomorrow at 10 or 2 work for a short call?
Borrower: 2 works.
Booked: tomorrow 2:00 PM. Summary sent to Jordan's CRM.
Set-up
How we build your AI Engine
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01
Discover
We collect your programs, service area, hours, FAQs and the topics the AI must never answer.
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02
Train
Your approved knowledge becomes one brain shared by every channel.
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03
Guardrails
Rate, approval and advice questions are routed to you, every time.
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04
Connect
Phone, site chat, SMS, Messenger, Instagram and TikTok, where access allows.
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05
Review weekly
Read summaries, refine answers, keep it improving.
Compliance, built into the configuration
Call recording and AI disclosure
Some states require all-party consent to record. The receptionist discloses it is AI and that calls may be recorded, in words your compliance team approves.
TCPA and A2P 10DLC
Texts go only to people who opted in, from a carrier-registered number, with STOP honoured instantly.
Meta and TikTok policies
DM automation follows each platform's messaging windows and rules. TikTok depends on the account's messaging access.
Fair-lending consistency
Everyone gets the same approved answers and the same path to a licensed loan officer.
We configure; your compliance officer approves. Nothing here is legal advice.
AI Engine pricing
| Channel | Monthly | Set-up | Included |
|---|---|---|---|
| AI Receptionist | $179 | $299 | 400 call minutes, then $0.18/min |
| Website chat | $69 | — | Unlimited conversations |
| AI texting (SMS) | $69 | — | 1,500 message segments |
| Website chat + SMS | $119 | — | Unlimited conversations |
| Facebook Messenger + Instagram DMs | $59 | — | Unlimited conversations |
| TikTok messages | $59 | — | Unlimited conversations |
| AI Engine Complete (all channels) | $329 | $299 | Unlimited conversations |
Bundle
Shelf + Website chat & SMS
$189/mo
Bundle
Showroom + AI Engine Complete
$449/mo
Bundle
Flagship + AI Engine Complete
$569/mo
Full pricing and bundle savings · Prices exclude any applicable sales tax.
Help desk
AI Engine questions
01What can AI do for a loan officer?
Answer the first conversation on every channel at any hour: greet, answer general questions from your approved content, collect details with consent, book time on your calendar and hand off to you. You spend your time on conversations that need a licensed loan officer.
02Will the AI give loan advice or quote rates?
No. It is configured to decline rate, payment, fee, eligibility and approval questions and to offer a call with you instead. That protects borrowers and keeps advice with licensed people.
03Is it one AI or several?
One. Every channel shares the same trained knowledge, rules and inbox, so answers are consistent whether someone calls, texts or sends a DM.
04Do people know they are talking to AI?
Yes. The assistant introduces itself as an AI for your team on every channel. We never configure it to pretend to be human.
05What compliance steps are involved?
Call-recording and AI disclosures where required, TCPA consent for texts, A2P 10DLC registration for SMS, Meta and TikTok platform rules for DMs, and consistent answers for fair lending. Your compliance team approves the wording; we configure it.
06How much does the AI Engine cost?
Channels start at $69/mo. AI Receptionist is $179/mo plus set-up, and AI Engine Complete (all channels) is $329/mo. Bundles with a website plan save more.
07Do I need a website from you to use it?
It works best with a site and CRM from us, because everything connects automatically. If you have another site, website chat can still be added with a small snippet.
08How accurate is it?
It answers from your approved content and says when it does not know. We do not publish accuracy percentages; we review conversations with you and refine answers weekly.
09Can I switch channels on and off?
Yes. Pause or remove any channel at any time; billing follows your plan notice period.
10Where do conversations end up?
In the CRM included with your site: one contact record with every call summary, chat, text and DM.
Let Trove's team build your AI Engine.
Tell us which channels matter. We train it on your information, set the guardrails and connect everything to your CRM.
